Loan companies like Zopa

Important: As of 2021, Zopa is no longer in the P2P lending space, but they are still offering personal loans. You can still use this page to find and compare other P2P and personal loan lenders.

Alternatives to Zopa

Table: sorted by representative APR, promoted deals first

2 of 4 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Finder score Not yet rated JustUs Personal Loan	Finder score Not yet rated	£2,000 - £25,000	2 years - 5 years	product.FEES.FEE	N/A	Representative Example: Representative 13.01% APR fixed. Based on a loan of £10,000 and £250 arrangement fee for 60 months at 11.5% p.a. Total £13,723.39 repayable at £228.72 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.4Standard Guarantormyloan Guarantor Loan	Finder score 6.4Standard	£2,000 - £12,500	1 year - 5 years	0%	£243.98 (£8,783.18 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.18 repayable at £243.98 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.28 repayable at £243.98 per month.	Check eligibility More info Compare product selectionCompare	loading

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Showing 2 of 2 results

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

What is Zopa?

Zopa’s online platform matches investors looking to earn bank-beating interest with borrowers looking to pay as little as possible on a loan. By cutting out the overheads associated with a traditional high street bank, Zopa aims to offer better rates to its customers.

Compare personal loan costs from a range of lenders

Before you take out a personal loan, it’s smart to read up and shop around. You can use the cost estimating tool below to see how much you’d be likely to pay for the loan that you have in mind from a range of popular lenders:

Table: sorted by representative APR, promoted deals first

Loans for good credit
Loans for bad credit

9 of 34 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Finder score 8.3Great M&S Bank Personal Loan	Finder score 8.3Great	£1,000 - £30,000	1 year - 7 years	0%	£153.68 (£5,532.48 overall) Representative Example: Representative 6.9% APR fixed. Based on a loan of £5,000 for 36 months at 6.9% p.a. Total £5,532.48 repayable at £153.68 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.6 repayable at £191.71 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 8.2Great M&S Bank Personal Loan	Finder score 8.2Great	£1,000 - £30,000	1 year - 7 years	0%	£153.68 (£5,532.48 overall) Representative Example: Representative 6.9% APR fixed. Based on a loan of £5,000 for 36 months at 6.9% p.a. Total £5,532.48 repayable at £153.68 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.6 repayable at £191.71 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 7.4Great Santander Personal Loan Finder Award	Finder score 7.4Great	£1,000 - £25,000	1 year - 5 years	0%	£153.68 (£5,532.48 overall) Representative Example: Representative 6.9% APR fixed. Based on a loan of £5,000 for 36 months at 6.9% p.a. Total £5,532.48 repayable at £153.68 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 7.6Great HSBC Personal Loan Finder Award	Finder score 7.6Great	£1,000 - £30,000	1 year - 8 years	0%	£160.11 (£5,764.02 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £5,000 for 36 months at 9.9% p.a. Total £5,764.02 repayable at £160.11 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score Not yet rated HSBC Personal Loan	Finder score Not yet rated	£1,000 - £30,000	1 year - 8 years	0%	£160.11 (£5,764.02 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £5,000 for 36 months at 9.9% p.a. Total £5,764.02 repayable at £160.11 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score Not yet rated AA Personal Loan Member	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	0%	£157.75 (£5,679.14 overall) Representative Example: Representative 8.8% APR fixed. Based on a loan of £5,000 for 36 months at 8.8% p.a. Total £5,679.14 repayable at £157.75 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £7,500 for 60 months at 6.4% p.a. Total £8,745.6 repayable at £145.76 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score Not yet rated AA Personal Loan	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	0%	£157.97 (£5,686.86 overall) Representative Example: Representative 8.9% APR fixed. Based on a loan of £5,000 for 36 months at 8.9% p.a. Total £5,686.86 repayable at £157.97 per month.	Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.4 repayable at £146.09 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score Not yet rated John Lewis Money Personal Loan	Finder score Not yet rated	£1,000 - £50,000	1 year - 7 years	0%	£160.11 (£5,764.02 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £5,000 for 36 months at 9.9% p.a. Total £5,764.02 repayable at £160.11 per month.	Representative Example: Representative 9.9% APR fixed. Based on a loan of £10,000 for 60 months at 9.9% p.a. Total £12,594.46 repayable at £209.91 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 7.4Great Admiral Personal Loan	Finder score 7.4Great	£1,000 - £40,000	1 year - 8 years	0%	£166.54 (£5,995.33 overall) Representative Example: Representative 12.9% APR fixed. Based on a loan of £5,000 for 36 months at 12.9% p.a. Total £5,995.33 repayable at £166.54 per month.	Representative Example: Representative 12.9% APR fixed. Based on a loan of £10,000 for 60 months at 12.19% p.a. Total £13,405.8 repayable at £223.43 per month.	Check eligibility More info Compare product selectionCompare	loading

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Showing 9 of 9 results

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

13 of 19 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Finder score 6.4Standard Novuna Personal Loan	Finder score 6.4Standard	£1,000 - £35,000	2 years - 7 years	0%	£153.89 (£5,540.20 overall) Representative Example: Representative 7% APR fixed. Based on a loan of £5,000 for 36 months at 7% p.a. Total £5,540.2 repayable at £153.89 per month.	Representative Example: Representative 5.7% APR fixed. Based on a loan of £7,500 for 60 months at 5.7% p.a. Total £8,607.6 repayable at £143.46 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score Not yet rated JustUs Personal Loan	Finder score Not yet rated	£2,000 - £25,000	2 years - 5 years	product.FEES.FEE	N/A	Representative Example: Representative 13.01% APR fixed. Based on a loan of £10,000 and £250 arrangement fee for 60 months at 11.5% p.a. Total £13,723.39 repayable at £228.72 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 7.5Great Shawbrook Bank Personal Loan	Finder score 7.5Great	£1,000 - £50,000	1 year - 7 years	0%	£169.10 (£6,087.76 overall) Representative Example: Representative 14.1% APR fixed. Based on a loan of £5,000 for 36 months at 14.1% p.a. Total £6,087.76 repayable at £169.1 per month.	Representative Example: Representative 14.1% APR fixed. Based on a loan of £10,000 for 60 months at 14.1% p.a. Total £13,732.84 repayable at £228.88 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.4Standard Fluro Personal Loan	Finder score 6.4Standard	£1,000 - £25,000	1 year - 5 years	From £250 – £250	£181.38 (£6,529.51 overall) Representative Example: Representative 17.9% APR fixed. Based on a loan of £5,000 and £250 arrangement fee for 36 months at 15.8% p.a. Total £6,529.51 repayable at £181.38 per month.	Representative Example: Representative 17.9% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 15.8% p.a. Total £10,309.78 repayable at £214.79 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.3Standard Abound Personal Loan Finder Award	Finder score 6.3Standard	£2,000 - £12,000	1 year - 5 years	From £100 – £100	N/A	Representative Example: Representative 21.8% APR fixed. Based on a loan of £2,000 and £100 arrangement fee for 36 months at 17.5% p.a. Total £2,687.58 repayable at £74.67 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.6Standard My Community Bank Personal Loan	Finder score 6.6Standard	£1,500 - £25,000	1 year - 5 years	0%	£208.94 (£7,521.74 overall) Representative Example: Representative 32.9% APR fixed. Based on a loan of £5,000 for 36 months at 32.9% p.a. Total £7,521.74 repayable at £208.94 per month.	Representative Example: Representative 32.9% APR fixed. Based on a loan of £3,000 for 36 months at 28.8% p.a. Total £4,513.04 repayable at £125.36 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.8Standard 1Plus1 Loans Guarantor Loan	Finder score 6.8Standard	£1,000 - £5,000	1 year - 5 years	0%	£223.50 (£8,045.99 overall) Representative Example: Representative 39.9% APR fixed. Based on a loan of £5,000 for 36 months at 39.9% p.a. Total £8,045.99 repayable at £223.5 per month.	Representative Example: Representative 39.9% APR variable. Based on a loan of £3,000 for 36 months at 39.9% p.a. Total £4,831.56 repayable at £134.21 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 5.7Standard Finio Loans Personal Loan	Finder score 5.7Standard	£500 - £5,000	1 year - 3 years	0%	£223.50 (£8,045.99 overall) Representative Example: Representative 39.9% APR fixed. Based on a loan of £5,000 for 36 months at 39.9% p.a. Total £8,045.99 repayable at £223.5 per month.	Representative Example: Representative 39.9% APR fixed. Based on a loan of £2,000 for 24 months at 39.9% p.a. Total £2,785.68 repayable at £116.07 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 5Standard Loans by Mal Personal Loan	Finder score 5Standard	£1,000 - £5,000	1 year - 3 years	0%	£243.37 (£8,761.28 overall) Representative Example: Representative 49.6% APR fixed. Based on a loan of £5,000 for 36 months at 49.6% p.a. Total £8,761.28 repayable at £243.37 per month.	Representative Example: Representative 49.6% APR fixed. Based on a loan of £2,500 for 24 months at 24.1% p.a. Total £3,705.12 repayable at £154.38 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.3Standard Bamboo Personal Loan	Finder score 6.3Standard	£2,000 - £15,000	1 year - 5 years	0%	£243.57 (£8,768.59 overall) Representative Example: Representative 49.7% APR fixed. Based on a loan of £5,000 for 36 months at 49.7% p.a. Total £8,768.59 repayable at £243.57 per month.	Representative Example: Representative 49.7% APR fixed. Based on a loan of £3,000 for 30 months at 41% p.a. Total £4,842.46 repayable at £161.42 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.1Standard 118 118 Money Personal Loan	Finder score 6.1Standard	£1,000 - £8,000	1 year - 5 years	0%	£243.98 (£8,783.18 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.18 repayable at £243.98 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £2,000 for 24 months at 41.2% p.a. Total £2,967.43 repayable at £123.64 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 6.4Standard Guarantormyloan Guarantor Loan	Finder score 6.4Standard	£2,000 - £12,500	1 year - 5 years	0%	£243.98 (£8,783.18 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.18 repayable at £243.98 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.28 repayable at £243.98 per month.	Check eligibility More info Compare product selectionCompare	loading
Finder score 5Standard Salad Money Personal Loan	Finder score 5Standard	£300 - £2,000	6 months - 2 years	0%	N/A	Representative Example: Representative 79.5% APR fixed. Based on a loan of £1,000 for 18 months at 59.97% p.a. Total £1,548.18 repayable at £86.01 per month.	Check eligibility More info Compare product selectionCompare	loading

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Showing 13 of 13 results

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

Thank you for your feedback!

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 528 Finder guides across topics including:

Loans & credit cards
Building credit
Financial health
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Loan companies like Zopa

Since starting out in 2005, Zopa has become one of the biggest names in peer-to-peer lending, but it's no longer alone in this space.

Alternatives to Zopa

Finder Score for unsecured loans

What is Zopa?

Compare personal loan costs from a range of lenders

Finder Score for unsecured loans

Finder Score for unsecured loans

Chris Lilly

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